>> kathleen sebelius is the former president of national association of insurance commissioners. i keep -- you're not going to invite me to this program anymore because i keep asking the same question. who is advising this president when it comes to how the insurance markets work? i don't get these guys. >> join the crowd. i get that, too. no quarterback. brad, let me go to you, congressman. yesterday we had these revelations from mr. chow, from the hhs. he says 30 to 40% of the website is not brok is not built. specifically the back payments and the purchasing. my question is even if you got renewals, bob says you have to get it in by the first half of december, how are they going to work this through if you can't pay for it and connect the website to the insurance company? that's the part i don't get. >> that's the big question, right? we can't turn back time and wish it was another day before this all started taking place. people are prepared for this for three years at least on the provider end and people in the insurance business that planned for this for three years and now